Overview
GARLIKOV ADVISORS, INC. provides investment advisory services. The majority of
our clients give us discretion to trade their accounts. Clients may choose to follow our
proprietary investment model (The GARLIKOV Model) or work with us to develop a
personalized asset allocation strategy. Under The GARLIKOV Model, we trade
accounts based on a capital preservation, conservative growth philosophy.
Discretionary trades are based on technical indicators, fundamental analysis, and input
from all members of the investment committee. GARLIKOV ADVISORS, INC. enters
into trades under this model with a time horizon of greater than thirty (30) days.
GARLIKOV ADVISORS, INC. does not “day trade”. Market events or circumstances may
cause us to exit trades prior to thirty (30) days having elapsed.
GARLIKOV ADVISORS, INC. specializes in managing assets inside variable universal
life (“VUL”) insurance contracts. GARLIKOV ADVISORS, INC. found that assets inside
VUL contracts are often neglected to the detriment of the policyholder, which is why
the GARLIKOV Model was initially developed. The Model is designed to preserve policy
cash values during volatile or uncertain periods, and grow cash values when
opportunities are present. GARLIKOV ADVISORS, INC. recognizes and tracks the
issues that may arise if policy cash values fluctuate similar to the equity markets.
As of December 31, 2023, GARLIKOV ADVISORS, INC. has $188,985,907 of
discretionary assets under management.
GARLIKOV ADVISORS, INC. develops personalized investment
strategies for clients
who choose not to follow the firm's discretionary model. GARLIKOV ADVISORS, INC.,
at the request of a client, may also complement this strategy by allocating a portion of
the client's assets into a sector rotation strategy. Customized portfolios are available to
insurance clients who have $100,000 or more in policy cash values.
Donald E. Garlikov recommends Exchange Traded Funds (“ETFs”) mutual funds, and
fixed income for clients with customized portfolios through his registration with TLG
Advisors, Inc. GARLIKOV ADVISORS, INC. does not recommend individual stocks.
Clients with discretionary or customized portfolios may consult with GARLIKOV
ADVISORS, INC. on certain restrictions (client-based restrictions) they would like to
impose on their accounts. GARLIKOV ADVISORS, INC. retains discretion when
determining whether or not to impose the client-based restriction. GARLIKOV
ADVISORS, INC. is likely to grant the client’s request where the client has a customized
portfolio. Any such client-based restrictions must be recorded in writing either in the
client’s investment management agreement or with a separate written
correspondence acknowledged by GARLIKOV ADVISORS, INC.
Other services offered: GARLIKOV ADVISORS, INC. provides charitable asset
management.
GARLIKOV ADVISORS, INC. has existed since 1982 and is 100% owned by Donald E.
Garlikov. Mr. Garlikov is an active participant of the GARLIKOV ADVISORS, INC.
investment committee and is involved in the GARLIKOV ADVISORS, INC. day-to-day
business operations.